The purpose of this Bill is to continue in operation the Seeds and Fertilisers Supply Act, 1942, for the period from 1st August, 1944, to 31st July, 1947. We have had a Seeds and Fertilisers Supply Act ever since 1940. Facilities have been available since 1940 for small cultivators to obtain loans from the county councils in order to provide themselves with seeds and fertilisers. The Bill validates the schemes which have taken place since the last Act expired. The Bill is a permissive one. It gives to county councils the power to take advantage of the Act if they so desire. It is in no sense an agricultural credit Bill. It is really a minor social service to help necessitous cultivators, agricultural labourers and very small farmers to obtain credit by means of which they can produce food for themselves, and it is regarded as having great importance during the present crisis. We propose on this occasion to enable this measure to continue in operation for three years, in order to save the time of the Oireachtas in passing an Act each year. The Government believes that both during the emergency and in the period subsequent to the emergency, and possibly more or less permanently, we shall need a measure of this kind.
The House may like to hear a few figures in regard to the operation of the Act up to now. In the year 1939-40, 3,157 persons took part in the scheme. In 1940-41, we had the record number of 9,269. In 1941-42, we had 5,509; in 1942-43, 5,465; in 1943-44, 5,453. The actual cost, or shall I say, the turnover in loans, for 1943-44 was £55,169. The average amount borrowed is £10 per borrower, and the State has not yet been asked to pay to the county authorities the 50 per cent. which they are bound to pay in the case of irrecoverable loans. In actual fact, the amount of money which has been found to be irrecoverable is very small indeed. No application has been made to the Department of Local Government for the recovery of these sums.
In order to give the House an indication of the financing of the scheme, I might mention that, in regard to the year 1941-42, when there were 5,509 borrowers, the amount still outstanding in July, 1943, was £3,449. By the next year, July, 1944, the amount still outstanding in respect of the 1941-42 scheme was £1,267. These amounts are progressively reduced each year. Again, to indicate in general how well the scheme is administered, in 1942-43 there were 5,463 loans, and 4,755 were fully repaid. Payments on account were made by 305 persons, while 403 persons had made no payment whatever. Of these, 250 came from three counties, and steps have been taken to insist on proper collection. The interest charged, which is in aid of the ordinary administrative expenses of the county council, varies. In some cases it is 2½ per cent.; the average is about 5 per cent.
The only county authority which is not taking part in the scheme at present is County Kerry, where there was a very large number of defaulters and the county council decided not to take part in the scheme in the last year. We have done our best to popularise this measure. Recently we wrote to all the county authorities giving them indications as to how they could be as reasonable as possible in the application of the scheme. I have no explanation for the House as to why there has been a reduction from 9,000, in the peak year 1940-41, to 5,000, which seems to be the average number of loans made.
As I said before, this is not an agricultural credit measure of great importance. It has nothing to do with the general principle of agricultural credit. It is simply a very valuable minor social service. Evidently, every year there are 4,000 or 5,000 people, probably representing families totalling nearly 30,000, who are not able to obtain credit in the shops, who have not got the spare cash, who find it very useful to be given credit by the county authority, and who, in the vast majority of cases, repay the sums satisfactorily and properly. I would recommend this Bill to the Seanad. As I said, it is a useful minor measure. We have no idea how long the emergency will continue, but at least for the next three years we wish to give every encouragement to small cultivators and to provide them with every facility for producing essential food for themselves and their families.